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High-risk auto insurance for California drivers
Infinity auto insurance is a subsidiary of Kemper Auto, a national insurer with nearly $15 billion in assets. Infinity offers policies for unusual circumstances, such as driving violations, speeding tickets, a lapsed auto insurance policy, an SR-22 form, or other situations that make it difficult to find an insurance carrier. The company offers three standard options and customizable insurance plans so you can adjust depending on your coverage needs and budget.
Infinity offers nonstandard auto insurance for California drivers, including those who require SR-22 forms. Factors that may determine if you need nonstandard auto insurance include your age, credit history, and driving record. The company’s roadside assistance program and strong financial backing from its parent company, Kemper, make it a viable option for high-risk drivers who need auto insurance.
Who it’s best for:
Who it’s not best for:
Infinity DriverClub roadside assistance: Infinity offers free membership to its roadside assistance program DriverClub, even if you don’t have an Infinity insurance policy. DriverClub provides assistance with flat tires, empty gas tanks, car lockouts, dead batteries, and other emergencies 24/7.
Spanish language website: Infinity’s entire website is available in Spanish. If Spanish is your preferred language, you’ll be able to navigate its website with no problem.
Financial security: Kemper’s strong financial security ratings back Infinity’s insurance policies.
SR-22 filing: If you need an SR-22 certificate, Infinity will file it on your behalf for a fee.
Only available in California: Infinity still operates under its own name in California, but all other branches transitioned under Kemper Auto. According to the website Kemper Auto (Infinity’s parent company), it offers insurance products in at least 44 states.
Limited optional coverages: Infinity offers full coverages like collision and comprehensive, but not necessarily extra coverages like travel insurance or rental reimbursement.
Expensive premiums: Infinity’s insurance premium is $793 above the national industry average, as it’s typical for nonstandard drivers to have higher insurance costs.
Buggy mobile apps: Users had difficulty using Infinity’s mobile apps after an update in August 2022.
The average annual cost of Infinity insurance is $2,908, which is $1,837 above the industry average of $1,071 per year. One example of this higher rate is reflected in nonstandard insurance, such as when the insured may need an SR-22 certificate, which usually costs more in general. In addition, your premium depends on many factors. Obviously, minimum coverage will be less expensive than full coverage auto insurance. At-fault accidents raise yearly rates, as does adding a teen driver to your policy.
An SR-22 certificate proves a driver carries the state minimum required insurance limits. Infinity will file an SR-22 form on behalf of its customers for a fee.
Get insurance quotes from Infinity to find out the cost of your auto insurance coverage. Make sure to get quotes from other companies with the same coverage options, comparing rates apples to apples.
You’ll receive the following auto insurance discounts when you choose Infinity as your car insurance company:
Infinity offers several discounts related to driver safety. Get a discount on your policy if you complete an approved defensive driver training course, have no violations or accidents for 35 months, or have a vehicle equipped with airbags, anti-lock brakes, and an anti-theft device.
Infinity works with hundreds of independent agents to deliver products in combination with Kemper’s underwriting firms. Under Kemper Insurance’s ownership, Infinity only provides new policies in California. Kemper, Infinity’s parent company, serves 44 states and Washington, D.C. There are no Kemper agents in Alaska, Hawaii, North Dakota, West Virginia or Wyoming.
Infinity offers online customer service, including claims reporting and an online chat feature. On the company’s website, you can view or change your policy, make payments, and more.
Infinity’s customer service representatives are available by phone at 800-690-3818 or via email at customer.service@ipacc.com. Contact Infinity’s representatives from 8 a.m. to 6 p.m. local time, Monday through Friday, and 8:30 a.m. to 3 p.m. on Saturday.
Get a quote from Infinity by calling 800-463-4648 or online at infinityauto.com.
Infinity’s mobile app is available for both Android and iOS. The Infinity app received 2.2 out of five stars on the Google Play Store and 1.4 out of five stars on the App Store. Many users complain that the app froze while they tried to register or log in to their account. Other users stated they were unable to make payments after an update in August 2022. Here are all the capabilities of Infinity’s mobile app:
Infinity began as Dixie Insurance Co. in Anniston, Alabama, in 1955. The company expanded to serve clients in 43 states, eventually becoming the second-largest writer of nonstandard automobile insurance. Dixie Insurance Co. changed its name to Infinity in 1978 before American Premier Underwriters purchased the company in 1991. In 1995, American Premier Underwriters joined American Financial Corp. to become American Financial Group (AFG).
AFG transferred all common stock of Infinity and its sister companies to Infinity Property & Casualty Corp. (IPCC) in 2002. In 2003, IPCC became a publicly traded company. Kemper Insurance, one of the nation’s largest specialized insurers, acquired Infinity in 2018.4 It serves over 6 million policies with over 33,000 agents and brokers. Post-acquisition, most auto insurance policies migrated under the Kemper brand except in California, where more than half of Infinity’s business took place.
You can cancel your policy with Infinity by calling 800-782-1020 or signing in to your account in the online portal. You’ll need your policy number, contact information, and the date you would like your policy to end. Depending on your policy’s renewal date, you may receive a refund for a portion of your premium.
It depends on your driving record, coverage choices, vehicle type, location, and how much you drive.
Here’s how you add a car to your Infinity insurance policy:
A claim for a wrecked car can take anywhere from two to six weeks, with an average of four weeks before you’ll receive a settlement check.
You can email collector car photos to Infinity at customer.service@ipacc.com.
Infinity Insurance Company. Better Business Bureau. (2023).
https://www.bbb.org/us/al/birmingham/profile/insurance/infinity-insurance-company-0463-4001641
Results by Complaint Index. National Association of Insurance Commissioners. (2022).
https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=25658&:refresh
Infinity Insurance Company. AM Best. (2023).
https://ratings.ambest.com/CompanyProfile.aspx?ambnum=2217&AltNum=16682217
Kemper Completes Acquisition of Specialty Auto Insurer Infinity P&C. Insurance Journal. (2018, Jul 2).
https://www.insurancejournal.com/news/national/2018/07/02/494042.htm